BNPL Undisclosed Late Fees / Interest Charges
Buy-Now-Pay-Later provider charged late fees or interest not clearly disclosed at checkout, or applied fees retroactively.
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Documented Cases
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Escalated / Verified
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With Amount Disputed
Legal Basis in the Philippines
- • RA 3765 (Truth in Lending Act) — all fees and charges must be disclosed before the transaction
- • BSP Circular 1133 (2021) — caps on interest and fees apply to BNPL products supervised by BSP
- • RA 7394 §52 (Consumer Act) — price labeling requirements; undisclosed surcharges are unlawful
Documented Cases
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Relevant guides
All guides →Step-by-step, with the exact BSP intake channels
How to file a BSP consumer complaint — online and on paper
Step-by-step guide to filing a complaint with the Bangko Sentral ng Pilipinas — BSP Online Buddy, consumer email, and the paper Consumer Assistance Mechanism form.
PD 114, BSP supervision, and the BSP Consumer Assistance Mechanism
How to recover pawnshop overcharges and disputed appraisals
How to recover pawnshop overcharges in the Philippines — PD 114 limits, BSP Consumer Assistance Mechanism, evidence checklist, and small-claims path.